ࡱ> PRQ#` `bjbj\.\. 4:>D>DW$$$$ T($PPPPf$4h!r"$$Pf+EEE$RPfEEEV#@v"fD D pc s0ox" *""xL6E5,a*5 D $$$$$$ Warning: Southern California Apartment Owners: (Scheduled To Be Published in the March 2007 AOA Magazine) General Liability Insurance Policies Found Shockingly Inadequate to Protect Property Owners from Discrimination, Harassment, and Wrongful Eviction Suits by Tenants Although article after article has appeared in 2006 AOA publications regarding discrimination, the majority of rental property owners are still not protected against lawsuits alleging Discrimination, Harassment, and Wrongful Eviction. You can be sued for discrimination based upon, racial, age, religious, gender, national origin, disability, and familial allegations, among other issues. And, you do not have to do anything different than what you normally do to cause such a lawsuit to be filed. In spite of the warnings of the potential damages property owners face, most are not protected! Why? Because most property owners assume their regular apartment insurance covers these types of claims. Or, they simply dont know that this protection is affordable and available through credible insurance markets. If a claim for discrimination is brought against you, what is your first reaction? You turn the claim over to your insurance agent or broker, of course! Imagine your surprise when, after several days have passed, you receive a letter in the mail from the insurance companys attorney. This letter is informing you that the insurance company regrets it cannot take up your defense in this matter and that you should retain your own lawyer to respond to the complaint, so that you will not default on the claim. How Could This Happen? Basically, the General Liability Insurance policy that you purchase (on your commercial and residential properties) responds to acts of your actual or alleged negligence that result in Bodily Injury, Property Damage, or Personal Injury to Others all as defined under the policy. Discrimination and Harassment (and sometimes Wrongful Eviction) against Tenants is simply not one of the covered causes of loss (what you are protected against) covered by your traditional apartment insurance package program. But What About the Property Managers Insurance? You may have professional property management in place; of course, you might presume that the management company has acquired this type of protection, but you may be surprised by the answer to that question many do not carry this protection, depending alone upon their professional skills. And, it is likely you signed an agreement with them to hold the management company harmless for these and other types of actions. The Bottom Line: YOU are responsible for defending yourself and paying a claim if allegations of Discrimination, Harassment or Wrongful Eviction are brought against you. Yet, there is a solution to this dilemma: Now, you can purchase Tenant Discrimination Insurance from nationally recognized experts in the field that have been underwriting property owners and managers for two decades. With this invaluable protection, you (the policys Named Insured, Directors and Officers, and Employees of the Insured Organization) can have your costs covered for legal expenses and losses arising from defending lawsuits or administrative claims by tenants or applicants who allege Discrimination or Harassment ,on the basis of race, religion, sex, national origin, familial status, or disability, or Wrongful Eviction. Providing protection to rental property owners or property managers, this Claims-Made Policys protection is triggered by the filing of a lawsuit by a tenant (or former tenant or applicant) alleging discrimination (on the basis of race, religion, sex, national origin, familial status, or disability), harassment or wrongful eviction. This incredible policy also protects you from legal actions initiated against you through regulatory agencies responsible for the administration of fair housing laws. The key features of the Tenant Discrimination Insurance policy include: Attorneys fees and associated expenses are covered in this policy Damages [losses & settlements] are included in your policy limits You can purchase up to $1,000,000 in aggregate limits of protection with small retentions and co-payments. Tenant Discrimination Insurance provides property owners incredible protection against what is excluded under their regular liability insurance policies: lawsuits by tenants alleging Discrimination, Harassment and Wrongful Eviction. As experts in residential property insurance issues, we cannot urge you enough to explore this incredible protection plan. This protection can be accessed through most independent insurance brokers. Stan Dreckman is an independent agent/broker and author of several articles about important insurance issues. Stan is President of Huggins/Dreckman Insurance Agency, Inc., located in Seal Beach (Orange County), California. He can be reached at 800-400-3224 extension 15. Tenant Discrimination Insurance is a product developed by NAS Insurance Services, Inc. and it is distributed through independent agents.  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